Take a break from your car insurance Technically, you can't “pause” or “freeze” your car insurance; this is required by law in almost every state. The only way to stop your car insurance is to cancel your coverage in its entirety, which you should only do when you change your policy or get rid of your car. Car insurance for people who don't own property is cheaper than a standard car policy, since it doesn't cover a specific vehicle. Car insurance depends on the car, not the driver, so the expenses of an accident will generally be covered by the vehicle owner's insurance policy.
A Liberty Mutual alternative to temporary auto insurance is a non-owner policy, which is available to drivers who don't own a vehicle or don't have regular access to it. If you plan to drive borrowed cars frequently, you should consider buying a car insurance policy for people other than the owner. Insurance companies don't offer a one-day insurance policy, but there are better policy options to meet your short-term needs. For example, if you have an accident while driving someone else's car, the limits of the owner's car insurance policy may not be high enough to cover all medical bills and repair costs.
You may need to file an affidavit of non-use because your car would no longer have enough insurance for anyone to drive it legally. Consider keeping comprehensive insurance (or adding to it) if you store your vehicle while you're not driving it, in case it is damaged while it's in storage. If you're still using the car, you'll want to keep it insured to be protected legally and financially. Progressive, Travelers and Liberty Mutual are the only companies among the 10 largest insurers that charge cancellation fees, although smaller companies like them.
That way, you can probably avoid your break from being called an insurance expiration, which would likely result in higher rates later on. Instead of changing your coverage, you may be able to temporarily withdraw from a family car insurance policy. Most major insurers sell coverage for people who don't own the landlord, but they don't offer online quotes, so you'll have to call to get an exact estimate of the costs. Generally, you must take out comprehensive coverage along with collision coverage, but your insurer can make an exception and allow you to maintain a policy that only covers all the risk, also known as “car storage insurance”, if you keep your car for the long term.
If you rent or rent vehicles frequently, but don't own a car, then non-homeowner auto insurance from Liberty Mutual is an affordable option. As with a suspension, your state may require you to file an affidavit of non-use to officially remove the car from the road and cancel the insurance required by the state.